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TAG | Insurance for Non Profit Organizations

Youth Sports Organizations and Little League Teams Should Carry an Insurance Policy 4.25/5 (85.00%) 4 votes

As much fun as they are to watch, sports can be dangerous activities.  There is always the potential for bodily injury in nearly every sport.  Insurance is also needed for the facilities they use and even for fundraisers hosted by the youth sports team.

This all-in-one insurance for youth sports package product provides protection for a variety of sports.  Property and liability coverage is offered in this insurance for youth sports package with a wide range of limits, ensuring that a small incident does not force the youth sports group to disband.

This All-In-One Non Profit Package product provides Youth Sports Organizations, with participants 18 years of age and younger, the opportunity to purchase General Liability, Property, and Directors & Officers (D&O)/ Employment Practices Liability (EPL) coverage all on one policy!

Target Accounts – The highest quote and bind ratio

  • New and existing organizations
  • Sports include but are not limited to Soccer, Football, T-ball, Baseball, Softball, Basketball, Volleyball, Tennis, Golf
  • Organizations that require parents or legal guardians to sign waivers of liability/release forms for all activities
  • Organization that perform background checks on all employees and volunteers
  • Organizations that have Accident & Health coverage in-force
  • No more than 1 loss or claim in the past 3 years

Product Advantages:

  • Coverage is available for athletic participants
  • Abuse and Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate available
  • Assault and Battery sub-limit of $50,000 available at no additional charge
  • Hired and Non-Owned Auto Liability coverage available in most states
  • Fundraisers and certain special events included at no additional cost
  • Landlord listed as an Additional Insured for no additional charge
  • No liability deductible
  • Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims
  • Lifetime Occurrence Reporting Provision for former Directors and Officers
  • Unlimited defense costs outside the limits for D&O and EPL coverage
  • Full Prior Acts Coverage for D&O and EPL coverage
  • Optional fiduciary liability for D&O coverage
  • Property available on Special Form and Replacement Cost
  • Inland Marine coverage available for sports equipment
  • Crime coverage available

Available Limits:

  • Liability limits up to $1,000,000 occurrence/$3,000,000 aggregate
  • Abuse & Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate
  • Assault & Battery sub-limit of $50,000 at no additional charge
  • Property values up to $500,000 for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O Limit.)
  • $5,000,000 additional capacity available for Umbrella Coverage

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Insurance for Non-Profit Organizations and Institutions 5.00/5 (100.00%) 2 votes

If you are a founder, director or board member of a non-profit organization, it’s important your organization carry insurance to protect the future of your organization as well it’s member-base/contributors and directors and officers.

Non-profit organizations generally require commercial general liability insurance, directors and officers liability insurance, employment practices liability insurance, commercial property insurance (if they own real property), umbrella coverage, special event liability insurance and liquor liability insurance.  Most will require all of the above, but some are able to pick and choose which coverages they need.

There is good news for you: Available to you are specialty insurance companies, insurance agents and insurance brokers who cater to non-profits.  Additionally, package products are available from insurance companies which provide these organizations with all the coverage they need and include many bells and whistles for additional protection.

Boardwalk Insurance Group is an agency with such a program through it’s various insurance companies and insurance broker relationships.

Types of non-profit organizations eligible include:
•    Chambers of Commerce
•    Foundations / Community Foundations
•    Trade Associations
•    Business Associations
•    Art/Culture Associations
•    Charitable Associations
•    Booster Clubs
•    Religious institutions
•    Churches, Mosques, Synagogues, Temples, etc.
•    Sunday schools
•    Educational facilities

A typical non profit organization insurance policy package policy includes:
•    Only a $500 Minimum Premium for General Liability and Property combined
•    No General Liability Deductible
•    General Liability coverage included for volunteers
•    Hired & Non-Owned Auto coverage available in most states
•    Property is on Special form with Replacement Cost coverage
•    $5,000 of Business Personal Property coverage included
•    Equipment Breakdown coverage available
•    Options for adding: Employee Dishonesty, Money & Securities and many others
•    Separate Limits of Liability for Directors & Officers and Employment Practices Liability Claims
•    Unlimited Defense Costs outside the limit
•    Outside Directorship Liability coverage
•    Coverage for both Monetary and Non-Monetary Claims
•    Full Prior Acts coverage
•    Lifetime Occurrence Reporting Provision for former Directors and Officers
•    Free Human Resources Hotline with unlimited number of call and no time limits
•    No Intentional Acts Exclusion on Employment Practices Liability coverage
•    Automatically includes 3rd party discrimination and harassment
•    Policy can include three events with up to 100 attendees within the policy premium
•    Ability to include Liquor Liability in most states for events
•    Ability to consider events with up to 5,000 attendees

This independent insurance agency will take time to understand what your organization does and will custom-tailor an insurance policy which meets your needs, while exceeding your expectations.  The application process is simple and quotes can be obtained with 48 hours in most cases.

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